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Terms and Conditions

Please read this carefully because it sets out the terms of a legally binding agreement between you and the Financial Times.

These are the terms and conditions on which you may use the FT.com website, FT's mobile and other online services, the Financial Times newspaper and the content/services available on them (which we call "FT Content"). These terms apply to your use of FT.com and all FT Content irrespective of the delivery platform or device you use to access it. By accessing FT.com you are agreeing to these terms and conditions. If you use FT.com in the course of your business or work, you are also agreeing to these terms and conditions on behalf of that business. We only make these terms and conditions available in the English language.

If you do not agree with the terms and conditions (or are not authorised to do so on behalf of your business or work) you should not use FT.com or any FT Content and should cancel any subscription in accordance with your cancellation rights (see Section 7 below). If you have any questions please contact help@ft.com. We recommend that you print and save a copy of these terms and conditions for your records.

We strongly recommend that you read these terms and conditions in their entirety. However for your convenience we have provided a summarised version of them as part of our Frequently Asked Questions.

Except where we state otherwise in Section 7, references in these terms and conditions to ”FT” (or ”we”, ”us” or ”our”) refer to the company operating FT.com. See Section 10 below for details.

1. Introduction

These terms and conditions were last updated on 26 October 2011 and replace all previous terms and conditions for FT.com. FT may update these terms and conditions for legal or regulatory reasons, or to reflect changes in our services or business practices. We will provide notice of such changes in Section 11 below. You should regularly check Section 11 to see if any changes have been made. If you are an FT.com subscriber, any changes will become effective from the date of your next payment following the change unless we notify you otherwise. If you are not an FT.com subscriber, any changes will become effective as soon as we notify you of them.

We may in exceptional circumstances cease to publish FT.com, the FT Content or cease to provide subscription services. If we do so, then we will have no further obligation to you, unless you are a subscriber in which case we will offer you a refund of the unexpired period of your subscription. See Section 7 for details.

2. Access and Use

www.ft.com/daypass

In summary, unless you are a registered user you may not be permitted to view any articles; if you are a registered user, you can view a limited number of articles a month; if you have a temporary access pass, the amount of FT Content that you can view will depend on the type of pass you purchased; if you have a Standard subscription you can view all of our articles, with the exception of Lex; and if you have a Premium subscription, you can also view Lex. We may vary the amount of content each category of user can access depending on the device used to access FT Content. From time to time we may invite specific groups of users to access certain sections of FT.com which may be the same as or different to the access given under either of the subscriptions. In addition, certain pages are only designed for use by UK users.

Permitted Use: All FT Content belongs to FT or its licensors who own all intellectual property rights (including copyright and database rights) in the FT Content and any selection or arrangement of the FT Content. No intellectual property rights in any FT Content are transferred to you. "FT" and "Financial Times" are registered trade marks and you may not use them without written permission from FT. You may do the following:

View FT Content for your personal use on any device that is compatible with FT.com or any FT application (this might be your PC, laptop, smartphone, tablet or other mobile device) and store FT Content on that device for your personal use.

Print single copies of articles on paper for your personal use.

Share links to articles by using the article tools we make available at the foot of each article.

Share articles published at www.ft.com/presscuttings using out 'Email article' tool. You can also send full text articles to email addresses of individuals (but not group email accounts). Recipients will need to have an active standard or premium subscription to receive full text "“ all other users will receive a link.

Use spidering technology to search and link to FT.com, provided that you do not infringe the Restrictions on Use below.

On condition that you do not create a Substitute (as defined below), you may also do the following:

Publish online, the original FT headline and a link to the FT article (on FT.com) and the first 140 characters of an article.

Forward the original FT headline and a link to the FT article (on FT.com) and the first 140 characters of an article to other individuals.

Download our RSS feeds and view them for your personal use in accordance with the terms set out at www.ft.com/rss and in our Copyright Policy.

We define a Substitute as a product or service that reduces the need for users or other third parties to pay for FT Content directly, or which creates revenue from the FT Content to the detriment of FT's own ability to generate revenues from that content.

www.ft.com/presscuttings using our 'Email article' tool to send articles to the email addresses of individuals (but not group email accounts) with an active standard or premium subscription). You may however republish or redistribute "Summaries" of FT articles if you comply with the conditions set out below. "Summaries" can be either an "extract" or an "abstract". By "extract" we mean 30 words copied verbatim from an FT article which are inserted into a longer original work . By "abstract" we mean a 30 word non-verbatim summary of the news or facts reported in an FT article which does not form part of a longer work.

These are the conditions you must comply with in order to produce summaries:

- you source FT as the author of any article from which you have derived a summary by way of an attribution such as "[journalist name] at the Financial Times reported that", with a hypertext link from the word "Financial Times" to the original story published on FT.com;

- in the case of abstracts, you make clear that the abstract has been produced by you by stating "this abstract from the Financial Times was produced by [name]", with a hypertext link from the word "Financial Times" to the original story published on FT.com;

- you ensure that your summaries do not in whole or in part form a Substitute for FT's own products and services (see above for how we define Substitute). The more summaries you create the greater the risk of substitution. No individual or organisation may create, republish or redistribute more than ten summaries in aggregate each day, each one sourced from a different FT article that is published on the same day you create the summary;

- you do not use or create summaries that promote or endorse any product or service; and

- if FT notifies you that it believes you are creating, republishing or redistributing summaries outside of these parameters, you shall immediately cease doing so and your rights to create summaries shall be regarded as having been withdrawn, unless/until FT reaches an agreement with you regarding your use of FT articles.

Please note that these rights do not extend to content, data or other material published by FT that we licence from third parties (including stock exchange or other indices providers) which you may not republish or redistribute in whole or in part.

PLEASE NOTE THAT IN ADDITION TO OUR RIGHTS AT LAW TO RESTRICT CERTAIN TYPES OF USE REFERRED TO IN THIS SECTION 2, THE RESTRICTIONS BELOW ARE ALSO CONTRACTUAL IN NATURE AND BIND ALL USERS OF FT.COM.

http://ftcorporate.ft.com/ for details. By way of example only, this means that you cannot:

"¢if you are a registered user or subscriber or have a temporary access pass, you cannot share your user name and password (which includes PINS) with anyone else. A password is for one person's use. Sharing a password means a copy of the FT Content may subsequently be made by someone who is not authorised to do so. Password sharing is a breach of our terms and conditions and is likely to result in an infringement of copyright. We monitor usage of FT.com to detect password sharing.

copy, publish, republish or redistribute, communicate or disseminate to third parties full text articles, photographs, graphics, tables or images in any way (unless you share articles published at www.ft.com/presscuttings using our 'Email article' tool to send articles to email addresses of individuals (but not group email accounts) with an active standard or premium subscription).

copy, publish, republish or redistribute headlines in any way other than as permitted by the "Permitted Use" section above (including as part of any syndication, content aggregation, news aggregation, library, archive or similar service).

archive or store any of the FT Content for access by anyone other than yourself.

create derivative works from the FT Content, unless you are creating summaries as described in the "Permitted Use" section above.

photocopy or scan copies of articles (to do this you need a licence from The Newspaper Licensing Agency).

remove the copyright or trade mark notice from any copies of FT Content made under these terms and conditions.

create a database in electronic or structured manual form by systematically and/or regularly downloading, caching, printing and storing all or any of the FT Content (by spidering or otherwise).

frame, harvest or scrape the FT Content or otherwise access the FT Content for similar purposes.

use or attempt to use the FT Content outside the parameters we set depending on what subscription you have.

Linking: If you would like to link to FT.com, please read and comply with the following guidelines and all applicable laws. A site or service that links to FT.com:

3. Privacy Policy and Registration

All information received by you from your use of FT.com will be used by FT in accordance with our Privacy Policy. Please read this for details of how we may process your personal data.

On registration, you must provide FT with accurate, complete registration information and it is your responsibility to update and maintain changes to that information on the applicable FT.com registration or subscription pages. FT is entitled to rely on any information you provide to us.

Each registration is for a single user only. On registration, you will choose a user name and password ("ID"). You are not allowed to share your ID or give access to FT Content through your ID to anyone else. FT does not allow multiple users on a network or within an organization to use the same ID. FT may cancel or suspend your access to FT.com if you share your ID without further obligation to you. You may not create additional registration or subscription accounts for the benefit of others or with the aim of avoiding our use of IDs to control access to and use of FT.com.

You are responsible for all use of FT.com made by you or anyone else using your ID and for preventing unauthorised use of your ID. If you believe there has been any breach of security such as the disclosure, theft or unauthorised use of your ID or any payment information, you must notify FT immediately by e-mailing us at help@ft.com. We recommend that you do not select an obvious user password (such as your name) and that you change it regularly.

If you provide FT with an email address that will result in any messages FT may send you being sent to you via a network or device operated or owned by a third party (e.g. your employer or college) then you promise that you are entitled to receive those messages. You also agree that FT may stop sending messages to you without notifying you.

If you are a registered user of or subscriber to FT.com then you may choose to use FT.com's "Remember me" log in feature that enables you to be logged in automatically to FT.com whenever you visit FT.com without having to manually log in each time. We recommend that you do not enable this feature on any computer that is or may be used by anyone other than you in order to prevent unauthorized access by third parties to both your subscription details and features of FT.com personal to you.

4. User Generated Content

FT.com includes discussion forums and blogs that allow interaction between users and between users and FT journalists (we call these "Forums"). We call the information posted to these forums or blogs by users "User Generated Content" or "UGC".

If you wish to view or participate in a Forum then you must comply with any specific rules posted on the Forum. You will retain ownership of the copyright in any of your UGC that you or we publish on FT.com so you are free to re-use it as you wish. You agree that if you post UGC to a Forum then you are granting FT a right (but not an obligation) unlimited in time to publish, re-use, archive, modify, delete or commercially exploit that UGC in whole or in part as we see fit, whether on FT.com or otherwise, without any requirement to pay you for this and with or without attribution to you. This means that you grant us a worldwide, non-exclusive, perpetual, irrevocable, royalty-free licence to use any UGC you publish in whole or in part in any manner and for any purpose whatsoever and without further obligation to you. You also waive any moral rights that you may have in regard to the UGC.

You are responsible for all the content of any of your UGC that you or we publish. You are financially responsible to us for any claim against us by any third party that your UGC is not in accordance with the bullet points below or that otherwise relates to your UGC.

You agree that you will:

only publish UGC that is your original content and will not infringe the copyright or other rights of any third party when publishing UGC.

not post, link to or otherwise publish any UGC containing any form of advertising or promotion for goods and services or any spam or other form of unsolicited communication.

not post, link to or otherwise publish any UGC with recommendations to buy or not buy a particular share or other investment or which contain confidential information of another party or which otherwise have the purpose of affecting the price or value of any share or other investment.

not post, link to or otherwise publish any UGC that is threatening, abusive, libelous, indecent or otherwise unlawful.

not disguise the origin of any UGC and not impersonate any person or entity (including FT employees or Forum guests or hosts) or misrepresent any connection with any person or entity.

not post or otherwise publish any UGC unrelated to the Forum or the Forum's topic.

not post or transmit any UGC that contains software viruses, files or code designed to interrupt, destroy or limit the functionality of FT.com or any computer software or equipment.

not collect or store other users' personal data.

not restrict or inhibit any other user from using the Forums.

The Forums contain UGC submitted by users over whom FT has no control so we cannot therefore guarantee the accuracy, integrity or quality of any UGC. Some users may not behave properly and may post UGC that is misleading, untrue or offensive.

It is not possible for FT to fully monitor all UGC published on FT.com but where we have actually received notice of any UGC that is potentially misleading, untrue, offensive, unlawful, infringes third party rights or is potentially in breach of these terms and conditions, then we will review that UGC, decide whether to remove it from FT.com and act accordingly. If you believe that any UGC published on FT.com infringes any legal rights that you may have or is not allowed under these terms and conditions, please notify us immediately with specific details by contacting us at help@ft.com or report.comments@ft.com.

5. Third Party Sites and Services

FT.com may contain links to other Internet websites or online and mobile services provided by independent third parties, including websites of our advertisers and sponsors (what we call "Third Party Sites"), either directly or through frames. Third Party Sites may be co-branded with FT and so include FT's trade marks.

It is your decision whether you purchase or use any third party products or services made available on or via Third Party Sites and you should read Section 6 below carefully. Our Privacy Policy does not apply to Third Party Sites.

FT.com contains advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on FT.com complies with international and national law. FT is not responsible for any error or inaccuracy in advertising or sponsorship material.

Copyright in any software that is made available for download from FT.com belongs to FT or its suppliers. Your use of the software is governed by the terms of any licence agreement that may accompany or be included with the software. Do not install or use any of this software unless you agree to such licence agreement. FT is not responsible for any technical or other issues that may happen if you download third party software.

6. Our Responsibilities To You

A summary of what this section means: this section is important and you should read it carefully. It makes clear to what extent, if any, FT accepts responsibility (liability) to you for your use of FT.com or the FT Content or in respect of any third party products or services that we refer to or link to on FT.com. Unless you are a subscriber to FT.com or have a temporary access pass, we accept no financial responsibility to you arising from your use of FT.com or the FT Content. If you are a subscriber to FT.com or have a temporary access pass, we limit our financial responsibility to you arising from your use of FT.com or the FT Content to the price you paid for your subscription or temporary access pass. In no circumstances do we accept responsibility for your use of Third Party Sites or in respect of any Third Party Products. By Third Party Sites we mean websites, online or mobile services provided by third parties, including websites of advertisers and sponsors that may appear on FT.com. By Third Party Products we mean products or services provided by third parties. Although this means that we accept very little in the way of financial responsibility for your use of FT.com and the FT Content, we think this is fair on the basis that you can view certain content and services free-of-charge, and the cost of a subscription or temporary access pass for additional access rights is relatively inexpensive. It is not commercially possible for us to accept more responsibility for your use of FT.com than set out in this Section 6 taking into account that we permit you to use FT.com for no or a relatively inexpensive cost.

Limitations of FT Content: the FT Content (including any information we publish regarding Third Party Products) is only for your general information and entertainment purposes and is not intended to address your particular requirements. In particular, the FT Content, including UGC and any other content provided by third parties and distributed by FT.com, does not constitute any form of advice, recommendation, representation, endorsement or arrangement by FT. It is not intended to be and should not be relied upon by users in making (or refraining from making) any specific investment, purchase, sale or other decisions. Appropriate independent advice should be obtained before making any such decision, such as from a qualified financial adviser. Any agreements, transactions or other arrangements made between you and any third party named on (or linked to from) FT.com are at your own responsibility and entered into at your own risk. Any information that you receive via FT.com, whether or not it is classified as "real time", may have stopped being current by the time it reaches you. Share price information may be rounded up/down and therefore may not be entirely accurate.

What we promise: FT WILL TRY TO DEVELOP AND OPERATE FT.COM WITH REASONABLE SKILL AND CARE AND WILL USE REASONABLE EFFORTS TO PROMPTLY REMEDY ANY FAULTS OF WHICH IT IS AWARE. THIS IS THE ONLY PROMISE WE MAKE IN RELATION TO OUR PROVISION OF FT.COM, THE FINANCIAL TIMES NEWSPAPER AND THE FT CONTENT.

What we do not promise: FT.COM AND THE FT CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THIS MEANS THAT FT DOES NOT MAKE ANY PROMISES IN RESPECT OF FT.COM OR THE SERVICES AND FUNCTIONS AVAILABLE ON OR THROUGH FT.COM OR OF THE QUALITY, COMPLETENESS OR ACCURACY OF THE INFORMATION PUBLISHED ON OR LINKED TO FROM FT.COM. TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, FT DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, CONDITIONS AND DUTIES (EXCEPT ANY DUTIES OF GOOD FAITH) OF ANY KIND, INCLUDING WITHOUT LIMITATION, ANY WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY OR OF FITNESS FOR A PARTICULAR PURPOSE. FT ALSO DOES NOT MAKE ANY PROMISES AS TO THE TIMELINESS, SECURITY, PERFORMANCE OR AVAILABILITY OF FT.COM AND DOES NOT PROVIDE ANY WARRANTY OR REPRESENTATION THAT FT.COM IS FREE FROM INFECTION BY VIRUSES OR ANYTHING ELSE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES.

THE ABOVE DISCLAIMERS APPLY EQUALLY TO YOUR USE OF FT.COM AND ALL FT CONTENT. WITHOUT LIMITING THE ABOVE, FT IS NOT LIABLE FOR MATTERS BEYOND ITS REASONABLE CONTROL. FT DOES NOT CONTROL THIRD PARTY COMMUNICATIONS NETWORKS (INCLUDING YOUR INTERNET SERVICE PROVIDER), THE INTERNET, ACTS OF GOD OR THE ACTS OF THIRD PARTIES.

Our financial responsibility to you: YOU AGREE THAT IF WE ARE IN BREACH OF THESE TERMS AND CONDITIONS, WE WILL ONLY BE RESPONSIBLE TO YOU FOR ANY DAMAGES THAT YOU INCUR ARISING OUT OF YOUR USE OF FT.COM OR THE FT CONTENT (TO THE EXTENT THAT FT'S LIABILITY IS NOT OTHERWISE EXCLUDED BY THIS SECTION 6) AS FOLLOWS:

IF YOU INCUR ANY LOSS AS A RESULT OF USING FT.COM OR ANY FT CONTENT OUTSIDE THE SCOPE OF THESE TERMS AND CONDITIONS, FT ACCEPTS NO RESPONSIBILITY (LIABILITY) TO YOU FOR THIS.

IF YOU HAVE PAID FOR A SUBSCRIPTION OR TEMPORARY ACCESS PASS, THEN FT ACCEPTS RESPONSIBILITY (LIABILITY) TO YOU FOR ANY DIRECT DAMAGES YOU ACTUALLY INCUR ARISING OUT OF YOUR USE OF FT.COM OR THE FT CONTENT IN ACCORDANCE WITH THESE TERMS AND CONDITIONS, SUBJECT TO A LIMIT EQUAL TO THE PRICE PAID BY YOU TO FT FOR YOUR SUBSCRIPTION DURING THE YEAR IN WHICH YOU INCUR THE DAMAGE OR THE PRICE PAID BY YOU FOR THE TEMPORARY ACCESS PASS THAT GAVE YOU ACCESS AT THE TIME YOU INCURRED THE DAMAGE. YOU MAY AT YOUR OPTION RECEIVE A RENEWAL TO YOUR SUBSCRIPTION FREE-OF-CHARGE AT THE POINT OF RENEWAL OR THE SAME TYPE OF TEMPORARY ACCESS PASS FREE-OF-CHARGE, IN PLACE OF MONETARY DAMAGES.

IF YOU HAVE NOT PAID FOR A SUBSCRIPTION OR TEMPORARY ACCESS PASS, THEN FT ACCEPTS NO RESPONSIBILITY (LIABILITY) TO YOU FOR ANY LOSS OR DAMAGE YOU MAY INCUR AS A RESULT OF YOUR USE OF FT.COM OR THE FT CONTENT IN ACCORDANCE WITH THESE TERMS AND CONDITIONS.

THE LIMITATIONS OF LIABILITY IN THIS SECTION 6 APPLY FOR THE BENEFIT OF FT, ITS AFFILIATES, INCLUDING THOSE LISTED IN SECTION 7 AND ALL OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS AND ASSIGNS.

TO THE FULL EXTENT PERMITTED BY LAW YOU ACKNOWLEDGE AND AGREE THAT OUR THIRD PARTY CONTENT AND DATA SUPPLIERS HAVE NO LIABILITY WHATSOEVER TO YOU IN RESPECT OF ANY OF THEIR DATA SUPPLIED TO YOU AS PART OF THE FT CONTENT.

YOU ALSO AGREE TO WAIVE, TO THE FULL EXTENT PERMITTED BY LAW, ANY RIGHT YOU MAY HAVE TO BRING LEGAL CLAIM AGAINST SUCH THIRD PARTIES ARISING FROM YOUR USE OF THEIR CONTENT OR DATA ON ANY FT SERVICE. Notwithstanding anything else in this Section 6, FT's liability will not be limited in the case of death or personal injury directly caused by FT's negligence in those countries where it is unlawful for FT to seek to exclude such liability.

If you use either the Managed Funds or Personal Finance pages. YOU AGREE THAT THESE AREAS OF FT.COM ARE DESIGNED FOR USE BY UNITED KINGDOM USERS ONLY AND YOU SHOULD NOT USE THEM IF YOU ARE ORDINARILY RESIDENT OUTSIDE OF THE UNITED KINGDOM.

7. Subscription Services and Temporary Access Passes

We offer subscription services through FT.com and recommend that you read our Frequently Asked Questions for more details and before purchasing a subscription.

Types of subscription/temporary passes: unless you purchase a subscription or temporary access pass to use FT.com then your usage rights will be limited as set out at www.ft.com/psp You may obtain broader usage rights by purchasing an FT.com subscription or temporary access pass. We currently offer two levels of FT.com subscription called Standard and Premium. In certain countries we also offer a bundled subscription which allows you to purchase an FT.com subscription together with a subscription to buy the Financial Times newspaper (what we call a "Bundled Subscription"). We also offer certain other subscription services from time to time (such as our 'Email article' tool and the 'FT Alphaville 6am Cut'). FT reserves the right to vary the amount of content and types of service that it makes available to different categories of user which means that we may increase or reduce the content and services that are only available to paying subscribers or temporary access pass holders from time to time.

Contract formation: FT will try to process your subscription or temporary access pass promptly but does not guarantee that your subscription or temporary access pass will be activated by any specified time. By submitting your payment and other subscription details, you are making an offer to us to buy a subscription or temporary access pass. Your offer will only be accepted by us and a contract formed when we have successfully verified your payment details and email address, at which point we will provide you with access to your subscription or temporary access pass. FT reserves the right to reject any offer in its discretion, for any or no reason.

Payment details: when you subscribe or purchase a temporary access pass you must provide us with complete and accurate payment information. By submitting payment details you promise that you are entitled to purchase a subscription or temporary access pass using those payment details. If we do not receive payment authorization or any authorization is subsequently cancelled, we may immediately terminate or suspend your access to your subscription or temporary access pass and may in suspicious circumstances contact the issuing bank/payment provider and/or law enforcement authorities/other appropriate third parties. If you are entitled to a refund under these terms and conditions we will credit that refund to the card or other payment method you used to submit payment, unless it has expired in which case we will contact you. If you buy a subscription or temporary access pass using a corporate credit card than we will treat your subscription or temporary access pass as being for the benefit of both you and the relevant company.

Pricing: the subscription price and temporary access pass price will be made clear to you on our sign-up pages or otherwise during the sign-up process and may vary from time to time or by country. You agree to pay the fees at the rates notified to you at the time you take out your subscription or purchase your temporary access pass. For certain subscriptions you can take out either an annual or monthly (or other frequency we offer) subscription. Other subscription services may only require a one-off payment. You can also take out any other fixed term or payment frequency that we may offer from time to time. FT will charge you in British Pounds Sterling, United States Dollars, or Euros, depending on the service and your country of residence. You may also have to pay any applicable local taxes. Please click here for further tax information. Eligibility for any discounts is ascertained at the time you subscribe and cannot be changed during the term of your subscription. We will always tell you in advance of any increase in the price of your subscription and offer you an opportunity to cancel it if you do not wish to pay the new price.

Pricing errors: if we incorrectly state a price to you whether online or otherwise, we are not obliged to provide you with a subscription or temporary access pass at that price, even if we have mistakenly accepted your offer to buy a subscription or temporary access pass at that price, and reserve the right to subsequently notify you of any pricing error. If we do this, you may cancel the subscription or temporary access pass without any obligation to us and we will refund you any money you have paid us in full or you may pay the correct price. If you refuse to exercise either of these choices then we may cancel your subscription or temporary access pass and will refund you any money you have paid us in full. We will always act in good faith in determining whether a genuine pricing error has occurred.

Other costs: in addition to any subscription or temporary access pass fees you pay, you are responsible for paying any internet connection or other telecommunications charges that you may incur by accessing FT.com or using the services available on it. For example, if you use any of our mobile services then your network operator may charge you for data or messaging services.

Trials: we may from time to time and at our discretion make a trial available to users, in which case we will only charge you for your subscription with effect from the expiry of the trial period. No more than one trial per subscriber is allowed in any twelve month period.

Renewals: if you chose to pay monthly, your subscription will continue until you tell us that you no longer wish to receive it, in which case you will stop paying the monthly fees. Please see the "Cancellations by you" section below for details of how to cancel your monthly subscription. If you chose to pay annually, unless you notify us before the end of your annual subscription period that you no longer wish to receive it, your annual subscription will renew for another year. We will charge the subscription using the same card or other payment method that you previously used. We will notify you in advance of any changes to the price in your subscription that will apply upon renewal.

Cancellations by you and refunds: unless you cancel your subscription before we have started providing any part of it to you (in which case we will provide you with a full refund), then you agree that once we have started providing any part of your subscription to you, you do not have any right to cancel your subscription or any part of it until the end of your then current subscription period. This means that you are not entitled to a refund once we have started providing any part of your subscription to you, except in the very limited circumstances which are referred to in these terms and conditions. Although you may notify us of your intention to cancel at any time, such notice will only take effect at the end of your then current subscription period. You may notify us of your wish to cancel your subscription by contacting our Customer Services team at help@ft.com. Or alternatively, call + 44 (0)207 775 6248 if you are in the UK, Europe or Rest of the World, +1 800 628 8088 for US and Canada and +852 2905 5555 for Asia. You may also use these telephone numbers to temporarily suspend newspaper delivery if you have an FT Bundled subscription, for example if you are going on holiday, although you must provide at least 5 business days advance notice for this to be implemented.

Moving house: if you have a bundled subscription and are moving house, then we will transfer your newspaper delivery to your new address. However, if we are unable to provide you with a home delivery service to your new address, we will provide you with a pro rata refund for the newspaper element of your subscription, which means that we will refund part of your subscription fee for the unexpired period of the subscription.

Cancellations by us: FT reserves the right to suspend or terminate your subscription if you breach these terms and conditions, with or without notice and without further obligation to you. You will not be entitled to any refund in these circumstances. If however we terminate or suspend your subscription for any other reason and/or permanently cease publishing FT.com, the FT Content or cease to provide subscription services then, unless there are exceptional circumstances, we will provide you with a pro rata refund to your credit card, which means that we will refund you with any amounts that you have paid us in advance that relate to any remaining and unexpired period of your subscription.

Newspaper delivery: FT will aim to commence delivery of the Financial Times newspaper to you within 2 business days (UK), 7-10 business days (Eurozone) or 10-12 business days (United States) of your subscription commencing, delivery times for other regions will be confirmed to you separately. Any failure to commence delivery within the foregoing timescales will not constitute a breach of these terms and conditions by FT. Once delivery has commenced, the Financial Times newspaper will be delivered Monday through to Saturday at the one delivery address specified when your order was confirmed.

Who your subscription contract is with: if you buy an FT.com subscription only or temporary access pass or other subscription service or if you buy an FT Bundled subscription (i.e. FT.com subscription and Financial Times newspaper subscription together) and are resident in any country OTHER THAN those specified below, then you will be contracting with The Financial Times Limited, whose principal place of business is at One Southwark Bridge, London SE1 9HL, United Kingdom.

If you buy an FT Bundled subscription (i.e. FT.com subscription and Financial Times newspaper subscription together) and are resident in one of the countries specified below, you will be contracting with the applicable entity listed below:

F.T. Publications, Inc, whose principal place of business is at 1330 Avenue of the Americas, New York, New York, 10019, USA (if you are resident in the Americas or the Caribbean).

The Financial Times (Japan) Limited, whose principal place of business is at Yamoto Seimei Building, 1-7 Uchisaiwaicho, 1-chome, Chiyoda-ku, Tokyo 100-0011, Japan (if you are resident in Japan or South Korea).

The Financial Times (Singapore) Pte Limited, whose principal place of business is at 72 Circular Road, #03-01, Singapore 049426 (if you are resident in Singapore).

The Financial Times (H.K.) Limited, whose principal place of business is at Unit 5905-5912, 59/F The Center, No.99 Queens Road, Central, Hong Kong (if you are a resident of any Asian country other than Japan, South Korea or Singapore, or a resident of Oceania).

These terms and conditions apply for the benefit for any or all of the above entities who may rely on them and/or enforce them in their own right.

8. Choice of Law and Jurisdiction

If you are a user whose principal address or principal use of FT.com occurs in any jurisdiction other than the United States then these terms and conditions will be subject to English law. In this case, to the extent possible in the applicable jurisdiction, both you and we agree that the courts of England will (subject to the final paragraph in this Section 8) have non-exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these terms and conditions.

If you are a user whose principal address or principal use of FT.com occurs in the United States then these terms and conditions will be subject to the laws of the State of New York. In this case, to the extent possible in the applicable jurisdiction, both you and we agree that the courts of the State of New York will (subject to the final paragraph in this Section 8) have non-exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these terms and conditions.

For the exclusive benefit of FT and to the extent possible in the applicable jurisdiction, FT will retain the right to bring or enforce proceedings as to the substance of the matter in the courts of the country of your residence or, where these terms and conditions are entered into in the course of your trade or profession, the country of the place of business in which you agreed to these terms and conditions or (if different) the country of your principal place of business.

9. General

You may not license or transfer any of your rights under these terms and conditions. We may transfer any of our rights or obligations under these terms and conditions to any company within the Financial Times group of companies but if we do so we will ensure that any company to whom we transfer our rights or obligations will continue to honor your rights under them.

If any provision of these terms and conditions is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these terms and conditions, which will remain in full force and effect.

Failure by either party to exercise any right or remedy under these terms and conditions does not constitute a waiver of that right or remedy. Headings in these terms and conditions are for convenience only and will have no legal meaning or effect.

FT.com is best viewed with one of our supported browsers. Our current list of supported browsers and the degree to which they are supported can be found here. Any payment information you send to us over the Internet is encrypted using 128 bit Secure Socket Layer technology. SSL is currently the preferred method to securely transfer credit card data over the Internet.

10. Corporate Information

The Financial Times Limited is the publisher of the Financial Times newspaper and the FT.com website, and its corporate details are as follows: registered office address is Number One Southwark Bridge, London SE1 9HL; company number is 227590; VAT number is 278 5371 21; and Data Protection Registration Number is Z7087146. In addition, the Managed Funds and Personal Finance areas of FT.com are operated separately by FT Personal Finance Limited whose corporate details are as follows: registered office address is Number One Southwark Bridge, London SE1 9HL; company number is 3855520; VAT number is 278 5371 21; and Data Protection Registration Number is Z7670392.